1ST FEDERAL SAVINGS BANK OF SC, INC.
1ST FEDERAL SAVINGS BANK OF SC, INC. is an FDIC-insured commercial bank headquartered in WALTERBORO, SC, established in 1962. As of , the bank reported total assets of $142M and total deposits of $126M. Profitability stands at 0.56% ROA and 6.17% ROE, with a net interest margin of 4.30%. CET1 capital ratio: 18.65%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
1st Federal Savings Bank of Sc, INC. rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 18.65% | 0.56% | 0.00% | 0.00% | 4.30% |
| 2025-09-30 | 18.09% | 0.66% | 0.00% | 0.00% | 4.40% |
| 2025-06-30 | 17.27% | 0.61% | 0.00% | 0.00% | 4.17% |
| 2025-03-31 | 16.97% | 0.37% | 0.00% | 0.00% | 3.83% |
| 2024-12-31 | 16.44% | -4.10% | 0.00% | 0.00% | 3.61% |
| 2024-09-30 | 17.41% | 5.20% | 0.00% | 0.00% | 3.18% |
| 2024-06-30 | 14.87% | 0.26% | 0.47% | 4.67% | 2.94% |
| 2024-03-31 | 14.95% | 0.31% | 0.08% | 0.82% | 3.19% |
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Frequently asked about 1ST FEDERAL SAVINGS BANK OF SC, INC.
What are 1st Federal Savings Bank of Sc, INC.'s total assets?
As of the Q4 2025 filing, 1st Federal Savings Bank of Sc, INC. reported total assets of $141.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 1st Federal Savings Bank of Sc, INC. headquartered?
1st Federal Savings Bank of Sc, INC. is headquartered in WALTERBORO, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was 1st Federal Savings Bank of Sc, INC. founded?
1st Federal Savings Bank of Sc, INC. was established in 1962, per the FDIC institution directory.
Is 1st Federal Savings Bank of Sc, INC. FDIC-insured?
Yes. 1st Federal Savings Bank of Sc, INC. is an FDIC-insured commercial bank (FDIC Certificate #31410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Federal Savings Bank of Sc, INC.?
1st Federal Savings Bank of Sc, INC.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 1st Federal Savings Bank of Sc, INC.'s CET1 capital ratio?
1st Federal Savings Bank of Sc, INC. reported a Common Equity Tier 1 (CET1) capital ratio of 18.65% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does 1st Federal Savings Bank of Sc, INC. operate?
1st Federal Savings Bank of Sc, INC. operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is 1st Federal Savings Bank of Sc, INC.'s Texas Ratio?
1st Federal Savings Bank of Sc, INC.'s Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.